S.T.
the lovely thing is that having screwed up your contract, the bank may very well be in a position to reimburse you if you lose the house.
it's extremely aggravating and unprofessional that they were not the ones to contact you. forget the LO. go directly to the branch president, and make it clear to him or her that if you don't get satisfaction you're going to send registered letters to each and every member of the board of directors.
you will probably have to start the process again, but if you just go to a new lender you're back at square 1 with no aces up your sleeve. light a fire under your stupid bank and get this shoved through an expedited process. do it right now!
khairete
S.